Due to the adverse economic conditions the credit scores of most of the citizens of US have hit badly. This has caused high demands for free annual credit report Us. These reports are very useful for the people as they can checks and manage their credit scores with the help of these reports. You can easily repair your credit records by using these as it lets you know all the information about your adverse credit score. You can improve it by making necessary changes in your payment status.

The government of US has provided the faculty to every citizen of US to get the free annual credit report Us . You can easily get it from any of the three agencies who provide this. You can apply with Experian, Equifax and TransUnion. All these agencies provide these reports for free once a year. This is mandatory and is a right for every citizen of US.

If you are looking for a short term loan and facing rejection for bad credits then you should apply for these reports. You will get the report and can use it to improve your credit records. You can easily evaluate the reason for loan rejection and can improve it for you application.

Most of the lenders of US don't require you to undergo any credit checks. But all these lenders charge high rate of interests. If you can improve your credit score then you can get the loan at low interest rates and can save lots of money without any hassle. Moreover you don't need to pay any fee for it. So it is very useful for you to get this report. You just need to apply for the report through the internet and the report will be delivered.